Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

Continue reading

Low Interest Credit Cards

cardsBelow is a listing of the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate, but may also use that rate to draw you in and then actually approve you at a higher rate. Below we have noted the lowest rate each card offers AND any higher rate you might get instead, if applicable. Also, we have only listed cards that have no annual fee.
Continue reading

0% Balance Transfer Credit Cards

zero-percent2If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for a limited period of time and have no annual fee:
Continue reading

Synchrony Bank Payment, Login, and Customer Service Information (formerly GE Capital Retail Bank)

synchrony-bank-logoSynchrony Bank (formerly GE Capital Retail Bank) is the card issuer behind many of the most popular retail store credit cards on the market today. If you have a card issued by Synchrony Bank, and you need to make a payment or reach customer service, your best bet is to go to the site that is specific to your credit card. A list of Synchrony Bank credit cards can be found here.
Continue reading

Review: Sports Authority Credit Card

sports-authority-credit-cardSports Authority sporting goods stores do offer a credit card for in-store purchases, but its value is hard to see. Our overview / review is below:

The Sports Authority credit card, offered in partnership with Comenity Bank, is only good at Sports Authority stores in the real world — you can not use it online.
Continue reading

Office Depot Credit Card Payment, Login, and Customer Service Information

office-depot-credit-cardOffice Depot credit cards are issued in partnership with Citibank, and you will go through Citi to make payments online or by mail, and to get customer service help. Below is information to access all of these options:

  • To make a payment on your Office Depot personal / consumer credit card account online, log in here to pay.
  • If you have the Office Depot business credit card that offers you the option to carry a balance, log in here to make a payment.
  • If you have the Office Depot business charge card that requires full monthly payment, go here to log in online and pay.

Continue reading

Rewards Credit Cards

citibank-double-cash-credit-cardWhen we talk about rewards credit cards, we are talking about any credit card that offers you something back in exchange for using it — the more you get back, the better. We also have a fondness for cards that have no annual fee. Below we have highlighted a list of popular rewards cards with a word or two about what each offers:
Continue reading

Chase Credit Card Reviews

chase_logoBelow is a rundown of the current credit cards in the Chase Bank lineup, with brief reviews of each to help you understand what is being offered:

  • Chase Freedom Credit Card – The Chase Freedom credit card is a basic cash back credit card that offers 1% cash back on all purchases, plus it offers 5% cash back on certain categories of purchases each quarter. For example, in one quarter you might be able to earn 5% on gas purchases while in another quarter its 5% on grocery store purchases. Note that you have to “activate” the 5% cash back categories each quarter, meaning that if you don’t specifically tell Chase that you want the 5% back in those categories for the quarter, any purchases in that category would only be 1% cash back. No annual fee.

Continue reading

Guitar Center Credit Card Payment, Login, and Customer Service Information

guitar-center-credit-cardThe Guitar Center credit card is issued in partnership with Capital One, and it is Capital One you will deal with when it comes to making a payment online or by mail, or if you need the help of credit card customer service. All the information you need to complete any of these tasks is below:

Continue reading

Airline Credit Cards

airplaneThere are many airline / travel credit cards on the market. Some are offered by a specific airline as part of their frequent flyer programs, while others offer travel “points” that can be used to pay for flights or to defray air travel costs.
Continue reading

Does H&M offer a credit card?

H&M-gift-cardsWomen’s clothing retailer H&M does not offer a standard store credit card.

If you have heard about an H&M credit card, it is most likely an H&M merchandise credit card, which really isn’t a credit card at all, but more like a gift card.
Continue reading

QVC Credit Card Payment, Login, and Customer Service Information

qvc-credit-cardIf you are a holder of the QVC QCard credit card and want to make a payment online or by mail, or need customer service help, you will go through QVC’s issuing partner, Synchrony Bank (formerly known as GE Capital Retail Bank). All of the info you’ll need is below:

Continue reading

Abercrombie & Fitch Credit Card Payment, Login, and Customer Service Information

abercrombie-fitch-credit-cardThe Abercrombie & Fitch credit card is issued in partnership with Comenity Bank, and it is Comenity Bank you will interact with in order to pay your bill online or by mail, or to get customer service assistance. Below you’ll find all the information you need to complete any of these tasks:

Continue reading

How to Apply for a Marshalls Credit Card

marshalls-credit-cardMarshalls discount clothing stores DO offer a credit card, but that’s not immediately apparent unless you know that Marshalls and TJ Maxx are part of the same company, and that the credit card for both chains is the TJX Rewards Credit Card.

There are two TJX credit cards, one a store-only card that you can use only at Marshalls, TJ Maxx, Sierra Trading Post, and HomeGoods stores, and the other a MasterCard that can be used at these stores as well as anywhere else MasterCard is accepted. If you apply, you will first be considered for the MasterCard. If your credit is not good enough to get accepted for the MasterCard, you will then be considered for the store-only card.
Continue reading

Care Credit Payment, Login, and Customer Service Information

care-credit-logoIf you’re a Care Credit customer, see below for all the links & info you need to pay your bill online or by mail, or to reach customer service if you have a question or need a problem solved.

  • To make a payment on your Care Credit account, go here. Note that you will be paying from a site run by Synchrony Bank (formerly GE Capital Retail Bank), the actual issuer of Care Credit financing.

Continue reading